I am not insured with CIL.
22% sounds like a big hit in one year and it is understandable that you would question how it may be justified. Agreed Value decline is just a small element of many considerations Insurers would rely on to set premiums and is not necessarily the main driver of rating. Repair costs may have increased etc etc. CIL is a specialist underwriter for RV's etc and you would expect they would get it right [competitive premiums and adequate cover]. To satisfy yourself that the premium is fair and competitive, go to the market, get on line quotes from say RACV/NRMA or others, ensuring like for like cover and you will know whether the steep increase and cover provided is worth sticking with. You may be able to lever a better deal from CIL if you have a good history and explain that there are cheaper deals available [assuming there are cheaper options].
Bob

And also do an online quote with your own insurer changing your name by one letter if necessary then hit them up with it.
All insurers will drift their premiums higher over time thinking that the longer you are there the more likely you just pay up.
You never hear them dropping premiums because there hasn’t been a hailstorm.
Similarly health insurance, when the age loading was added years back HBF has to increase premiums due to the influx of people. Other changes recently would have caused people to leave which HBF also said meant a premium increase...

They are not the only ones , Allianz has pulled what can only be called a 'swifty' or a deception [ pick one ], instead of 'no claim' bonus that you built up over the years to a maximum of 60% they have changed to a 'Star' rating , you now build up your stars to a maximum of 6 .......good oh eh ??...6 stars give you a 15% of your premium , whereas before you got 60% so an increase of 45% , thieves , out and out thieves .......

Alliance, also underwrite "Club Marine" boat insurance, I had a mishap with a reef on 23rd Feb, sent in claim via Boat repair shop with pix etc, now they want motor stripped for further evidence .... but wait for it, at my cost and if they approve the claim they will then pay for claim. Not Bad 6 weeks later and no ferkin satisfaction ;o(

It is only when you see mosquito land on your testicles that you find another way to solve problems without violence

All I can say is mine actually went down!! Used to have my van stored at Clarkfield at a well known storage site. Now stored at my friends 4 acre property at Riddells Creek. Not only saved $770 in storage but the premium went down by $345!!. However having said that the premium had only increased by $45 had it stayed at Clarkfield. It seems to me that premiums are based, just like cars on locations,claim history of brand/model, and those locations with high claims history (for whatever reason) cop the increases. Just glad my van is stored in a low risk area both for theft, and climate reasons.

Sometimes premiums can be driven up by changes in the demographic of your area, where areas like Hallam, Berwick & Endeavour Hills were probably once low to medium risk areas, now due to an influx of people with a gang culture, they are now most likely deemed to high risk.

Beware of policy changes :
I checked with CIL re their policy about falling trees coverage which had apparently been changed . The response was, it is decided by a case to case basis- If a weather event or storm has caused the damage, you are covered. If a limb suddenly decides to fall on your van, you are not covered ! Interestingly the last two times I have been in a caravan park in January (summer in SW of Perth ) we have had a limb fall close to us.
On last occasion no wind, but around 13mm of rain a couple of days earlier. Previous occasion normal S.W. seabreeze.
I suspect CIL wouldn't cover either event as no weather event on the day.

I also checked with CIL for clarification re their "action of trees or their roots" exclusion. The wording is weak in my view. Here is a cut n paste from their emailed response.

In regard to "the action of trees or their roots" if for example a caravan was stored under a tree for a length of time and sap fell on the caravan and was not cleaned off regularly and caused damage to the caravan this would be classed as lack of maintenance, however if you are parked in a caravan park and a branch falls on your caravan this would be accidental damage and would be covered.

If any event does occur CIL recommends you contact our claims department as each claim is assessed individually."

My suggestion is that anyone insuring a caravan, camper etc with CIL or any of the Suncorp coys, since they all have the same exclusion, email them and seek clarification as to their position. Keep that email with your PDS.

In addition to the tree position CIL also excludes any cover when a caravan is being transported on a truck unless it has been damaged in an accident. I had the misfortune to have a breakdown a long way from home and both my car and camper had to be transported home - over 2000ks. The cover provided by the transporter was basic and wouldn't have covered hail, vandalism etc. For an additional $60 p/w CIL covered it.
Apart from these two issues I am a CIL advocate and I continue to insure with them. Their service meets my expectations.

Hi Kendal
The section "If any event does occur CIL recommends you contact our claims department as each claim is assessed individually." is the bit that concerns me .
Since we get different answers from the call centre, you will probably get different results dependant on the claims assessor .
"however if you are parked in a caravan park and a branch falls on your caravan this would be accidental damage and would be covered"
This is a different answer to what I received !
Is the situation different if you are in a National Park/ free camping or at a rest area? Is the former because the trees may be regularly inspected and maintaned compared to the latter situation ?.
Who knows how the assessors think on the day .

Hi Pedro,
The differentiation lies in the event rather than where it happened. The verbal explanation I received was that they were trying to avoid damages that occur over time such as might happen to an onsite van or similar long term layup. I suggested they had the opportunity to build that into the PDS and even offered to re word it for them but they declined. I maintain the wording is weak and if tested I would be surprised if it would stand up ie a tree is an inanimate object yet they exclude its actions. No one wants to get involved in testing the wording and for that reason it is best to seek the written clarification as I did.

I ring around every year. quotes from Allianz ,QBE etc are always higher
Changed back to NRMA with lay up cover. as you only need to call them if you decide to go roving . They are my pick. worth a call better than trying to do it on line

Just a weird question - has anyone else experienced, after commencing insurance with CIL, a lot of telemarketing phonecalls from people trying to flog funeral insurance (as if you'd pay someone to make a profit on insuring an event with exactly 100% risk)? Or was this just a coincidence in my case?

Or does everyone get pestered by these nuisance calls, irrespective of the insurer you choose?

Mmmmmmm. Yes I used to get them too. Suncorp owns CIL and another division of the coy has a funeral cover available so no coincidence. You are correct - funeral insurance is an absolute rort. They stopped calling me after I explained the statistical realities and why the product would come under scrutiny very soon.